A Study on the Impact of Employee Training and Stimulus on Business Recital with Indication to Public and Private Banks of India

2017 ◽  
Vol 7 (02) ◽  
Author(s):  
Khalid Syeed Uddin
Keyword(s):  
Perceived Risk ◽  
Negative Impact ◽  
Financial Institution ◽  
Security And Privacy ◽  
Mobile Banking ◽  
Public And Private ◽  
Banking Services ◽  
Descriptive Research ◽  
User Adoption ◽  
The Impact

Financial institution that offered mobile applications to the consumers should give attention to the perceived risk factors of Mobile Banking adoption in order to retain existing customers as well as attract new consumers. The study suggests that banks should build an application with features to facilitate users’ assessment of Mobile Banking services and thus minimize the perceived risk and maximize the perceived ease of Mobile Banking services. The impact of risk and trust on Mobile Banking adoption has also been examined and shown to be significant to Mobile Banking adoption in the context in India. This study is based on the Descriptive research, where valid responses are collected from the respondent by filling questionnaire. Keeping the TAM proposed by Davis as a theoretical basis, an extended TAM incorporating security and privacy related issues for Mobile Banking adoption is conceptualized. The paper reveals that perceived risk has a negative impact on behavioural intention of Mobile Banking adoption and trust has a negative impact on perceived risk. A well-designed mobile application was also found to be helpful in facilitating easier use and minimizing perceived risk concerns regarding Mobile Banking usage. The purpose of this paper is to examine the effect of perceived risk on Mobile Banking user adoption.

An Empirical Examination of Perceived Risk in Mobile-Banking

2017 ◽  
Vol 7 (02) ◽  
Author(s):  
Karnika Srivastava ◽  
Manoj Kumar
Keyword(s):  
Perceived Risk ◽  
Negative Impact ◽  
Financial Institution ◽  
Security And Privacy ◽  
Mobile Banking ◽  
Empirical Examination ◽  
Banking Services ◽  
Descriptive Research ◽  
User Adoption ◽  
The Impact

Financial institution that offered mobile applications to the consumers should give attention to the perceived risk factors of Mobile Banking adoption in order to retain existing customers as well as attract new consumers. The study suggests that banks should build an application with features to facilitate users’ assessment of Mobile Banking services and thus minimize the perceived risk and maximize the perceived ease of Mobile Banking services. The impact of risk and trust on Mobile Banking adoption has also been examined and shown to be significant to Mobile Banking adoption in the context in India. This study is based on the Descriptive research, where valid responses are collected from the respondent by filling questionnaire. Keeping the TAM proposed by Davis as a theoretical basis, an extended TAM incorporating security and privacy related issues for Mobile Banking adoption is conceptualized. The paper reveals that perceived risk has a negative impact on behavioural intention of Mobile Banking adoption and trust has a negative impact on perceived risk. A well-designed mobile application was also found to be helpful in facilitating easier use and minimizing perceived risk concerns regarding Mobile Banking usage. The purpose of this paper is to examine the effect of perceived risk on Mobile Banking user adoption.

Examining the Impact of Customers’ Awareness, Risk and Trust in M-Banking Adoption

2021 ◽  
pp. 231971452110199
Author(s):  
Prashant Tiwari ◽  
Shiv Kant Tiwari ◽  
Ashish Gupta
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Global Market ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Rapid Expansion ◽  
Mobile Banking ◽  
Banking Services ◽  
Perceived Trust ◽  
The Impact

Mobile banking services have been a significant breakthrough in the electronic banking system and have many potential demands for online banking services to connect with consumers. Although there has been a rapid expansion of information technology (IT) in banking, which offers multiple opportunities in the global market, massive growth has not been seen in India’s m-banking adoption. Several kinds of research on m-banking adoption have been conducted in various countries, and it has been observed that India has great potential for m-banking. Nonetheless, users are not quite sure about its use for a few reasons. The present study extends the applicability of technology acceptance model (TAM) constructs in connection with customers’ awareness, perceived risk and perceived trust to investigate the user’s behavioural intention of m-banking adoption. The authors tested the proposed framework by using regression analysis in SPSS 23 and collected a sample of 311 mobile banking users by using convenience sampling. In support of the previous studies, findings revealed that perceived usefulness, perceived ease of use, customer awareness, perceived risk and perceived trust significantly adopted m-banking services in the Indian context.

scholarly journals ECONOMIC CONSEQUENCES AND VARIABLES INFLUENCING THE UPTAKE OF MOBILE FINANCIAL SERVICE IN UNBANKING POPULATION LIKE PAKISTAN

2021 ◽  
pp. 38-53
Keyword(s):  
Financial Services ◽  
Perceived Risk ◽  
Positive Impact ◽  
Pearson Correlation ◽  
Primary Data ◽  
Mobile Banking ◽  
Banking Services ◽  
Affective Factors ◽  
Perceived Trust ◽  
The Impact

The growth of digital mobile devices enables the world to integrate and enables the masses to access and use services with optimism, speed and efficiency. These developments are on the rise in Pakistan. Market opportunities for digital financial services in Pakistan are projected to exceed $ 36 billion by 2025, which will increase GDP by 7%, create four million new jobs and generate $ 263 billion in new deposits. This power can only be achieved through a robust and efficient DFS environment. Although Pakistan has a DFS environment, it is unfortunate that so far no research has been done to determine and analyze the economic impact of mobile banking services as well as factors affecting their use in developing countries like Pakistan, to this end, the methodology part will be divided into two parts: the first part will focus on the secondary data to analyze and determine the impact of mobile banking activity on GDP, employment, government taxes for support to reduce non-banking figures in Pakistan. The second part will focus on the primary data that will be used to investigate the influencing variables on the usage of mobile banking services. A self-administered questionnaire has been developed with 250 respondents, which will be distributed to mobile money users to get their ideas on mobile banking services. Its results will be evaluated using the Pearson correlation and multiple regressions. Affective factors are assessed under five factors: risk, perceived trust, cost-effectiveness, accessibility and reliability using biometric analysis method in mobile banking. The study revealed that mobile financial services had positive impact on the economic indicators whereas factors like perceived trust, convenience and perceived risk had a significant influence on the adoption of mobile banking services but perceived cost and reliability were said to have insignificant influence on its adoption.

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

Adoption of Mobile Commerce Technology

2012 ◽  
Vol 3 (2) ◽  
pp. 36-49 ◽  
Author(s):  
Emad Abu-Shanab ◽  
Osamah Ghaleb
Keyword(s):  
Technology Acceptance ◽  
Perceived Risk ◽  
Empirical Test ◽  
Mobile Commerce ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Security And Privacy ◽  
Privacy Concerns ◽  
Perceived Trust ◽  
The Impact

This research extended the Technology Acceptance Model (TAM) with perceived trust and perceived risks (security and privacy concerns) constructs to identify the impact of these factors on Jordanian users’ intentions to adopt mobile commerce (m-commerce). An empirical test was used utilizing 132 responses from students in two public universities in Jordan. Results indicated that perceived trust, perceived usefulness, and perceived ease of use are major influencers of mobile commerce adoption. On the other hand, perceived risk factors (security and privacy concerns) were not significant in this relation. Discussion, conclusion and future work are stated at the end of this paper.

scholarly journals Identification of the Reasons of Childrens Anxiety and Submissive Attitude: A Comparative Study of Public and Private Schools

2019 ◽  
Vol IV (III) ◽  
pp. 300-308
Author(s):  
Muhammad Shakir ◽  
Mussarat Jahan ◽  
Shaista Noreen
Keyword(s):  
Data Collection ◽  
Comparative Study ◽  
Private Schools ◽  
Panic Attack ◽  
Negative Impact ◽  
Sampling Technique ◽  
Public And Private ◽  
Descriptive Research ◽  
State Of Mind ◽  
Convenience Sampling

The main purpose of this research was to analyse the children anxiety in both public and private schools. The main objectives of the study were (a) to identify the factor that involve to increase fear among children; (b) to investigate the positive and negative impact of anxiety on students academic performance; (c) to analyse the children learning state of mind during fear and submissive attitude. This descriptive research involved the data collection from ninety (90) teachers, three hundred and seventy five (375) students and forty (40) parents. They were selected by convenience sampling technique. It is found that when children are in fearful environment they feel panic attack and they participate less in class when they are in state of fear while most of the children think that stress, verbal threading and punishment is the basic cause of anxiety among early grades children.

scholarly journals Analysis of Factors Influencing Intensity Use of Mobile Banking Islamic Bank

2021 ◽  
Vol 8 (11) ◽  
pp. 441-449
Author(s):  
Sutarminingsih . ◽  
Lukman M Baga ◽  
Imam Teguh Saptono
Keyword(s):  
Perceived Risk ◽  
Online Shopping ◽  
Ease Of Use ◽  
Perceived Usefulness ◽  
Mobile Banking ◽  
Banking Services ◽  
Service Strategy ◽  
Islamic Bank ◽  
Banking Service ◽  
Internet Users

The development of internet users and technology has influenced the banking industry to transform its services towards digital. XYZ Sharia Bank is one of the banks that implements a digital banking service strategy through mobile banking. The purpose of this study is to describe the characteristics of mobile banking users, then analyze what influences the behavioral intentions of users in increasing the intensity of mobile banking use, and provide recommendations for development strategies for Islamic Bank XYZ to increase the intensity of mobile banking use. The results of this study qualitatively indicate that the characteristics of XYZ Islamic Bank mobile banking users are dominated by millennial generation males. XYZ Syariah Bank is the choice for mobile banking services because of its practical and flexible use. In addition to general banking transactions, XYZ Syariah Bank mobile banking is also an option because it provides services to complement people's lifestyles, namely for digital wallet refills, online shopping payments through the marketplace/e-commerce. The results of the research quantitatively indicate that all of the variables studied, namely perceived usefulness, ease of use, interaction needs, perceived risk, perceived cost of use, trustworthiness, credibility, and compatibility with lifestyle and needs have a significant influence on the intensity of using Islamic Bank mobile banking XYZ, where the biggest factor in influencing the intensity of the use of XYZ Islamic Bank's mobile banking is compatibility with lifestyle and needs. Keywords: Digital Banking, Mobile Banking, Intensity of Using, Sharia Bank.

scholarly journals Analysis of factors that influence the ICT adoption by SMEs in Colombia

2016 ◽  
Vol 12 (2) ◽  
pp. 666 ◽  
Author(s):  
Carlos Osorio-Gallego ◽  
John Londoño-Metaute ◽  
Esteban López-Zapata
Keyword(s):  
Information And Communication Technologies ◽  
Negative Impact ◽  
Empirical Work ◽  
Cost Benefit ◽  
Security And Privacy ◽  
Cross Sectional ◽  
Ict Adoption ◽  
New Business ◽  
Adoption Level ◽  
The Impact

Purpose: The objective of this article is to analyze the factors that influence the adoption of Information and Communication Technologies (ICT) by SMEs in Colombia.Design/methodology: To prove empirically these hypotheses, we administered a questionnaire to a sample of 474 SMEs in Colombia regarding the adoption of ICT and independent variables identified in the literature. Then, we conducted a series of multiple regression models using the data we obtained.Findings: We developed a model that identifies a positive relation between new business opportunities that ICT offer and their adoption level. Likewise, this research identified that a lack of confidence in ICT's security and privacy, a perception of ICT cost-benefit unbalance have a negative impact on the implementation of these technologies.Research limitations/implications: This study has limitations that are inherent to cross-sectional research. These restrict the possibility of conducting dynamic analysis between independent and dependent variables. Likewise, the generalization of results is circumscribed to a geographical context and the type of enterprises surveyed.Practical implications: The results of this research provide valuable contributions to decision-making by SMEs' directors and to public policies that foster the implementation of ICT in SMEs based on an analysis of benefits and barriers found in this study.Originality/value: In view of a lack of empirical work that analyzes the implementation of technology in enterprises in emerging countries, this study provides a valuable contribution to the creation of knowledge when attempting to explain the implementation of ICT using a representative sample of SMEs in Colombia identifying the quantitative form of the impact of the benefits and barriers of these technologies.

Assessing the Determinants of Adoption of M-Banking by Students

2016 ◽  
pp. 120-136
Author(s):  
Gazal Punyani ◽  
Sourabh Sharma
Keyword(s):  
Banking Sector ◽  
Service Providers ◽  
Banking Industry ◽  
Banking System ◽  
Study Data ◽  
Mobile Banking ◽  
Banking Services ◽  
Technology Adoption Model ◽  
Adoption Model ◽  
The Impact

Technology is entwined in almost every part of one's lives. Today's students are using more technology than ever before. Information technology has revolutionized every industry and especially the banking industry. Tremendous improvements in technology have taken place in the Indian banking sector. Among all, Mobile Banking (m-banking) is the recent phenomenon that changed country's banking system. Students, being considered as most technically knowledgeable make most use of mobile banking services among all the banking customers. Therefore, the focus is particularly towards the young students engaging in m-banking services and to evaluate the factors that influence them to adopt m-banking. The study considers extended Technology Adoption Model (TAM) to measure the impact of the factors on adoption of m-banking. For the study, data was collected through questionnaire from 217 students of Western Rajasthan. The result of this research would provide valuable information to service providers in order to improve their m-banking services.

Personal Data Sharing and Legal Issues of Human Rights in the Era of Artificial Intelligence

2019 ◽  
Vol 15 (3) ◽  
pp. 21-36
Author(s):  
Sheshadri Chatterjee ◽  
Sreenivasulu N.S.
Keyword(s):  
Artificial Intelligence ◽  
Human Rights ◽  
Data Sharing ◽  
Personal Data ◽  
Security And Privacy ◽  
Human Right ◽  
Public And Private ◽  
Analyse Data ◽  
Regulatory Controls ◽  
The Impact

Personal data sharing has become an important issue in public and private sectors of our society. However, data subjects are perceived to be always unwilling to share their data on security and privacy reasons. They apprehend that those data will be misused at the cost of their privacy jeopardising their human rights. Thus, personal data sharing is closely associated with human right issues. This concern of data subjects has increased manifolds owing to the interference of Artificial Intelligence (AI) since AI can analyse data without human intervention. In this background, this article has taken an attempt to investigate how applications of AI and imposition of regulatory controls with appropriate governance can influence the impact of personal data sharing on the issues of human right abuses.

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